In terms of color it appears as I would expect to see it at the time of day revealed by the clues in the shadows.

In terms of message / delivery / composition I find interest in shapes of the roof and cover on the chimney my eye is pulled to by the contrasting tone/color of the chimney. Because the top blends into the surrounding water the pattern and similarity that of the roof is not noticed immediately creating a nice "Ah ha.... that's what he saw here that caught his eye!" climax at the end of the eye path.

It would be ideal if my eye stopped there but the strong contrast of the sky and it's close proximity to the top of the chimney pulls me up and out of the "story" to less interesting space. A possible solution but not one that would look normal given the other warm clues is to make the color / tone of the sky and water the similar so the chimney contrasts with both and the viewer's eye stops there instead of wandering up.

Faced with similar situation next time look for a higher vantage point. The more the camera would shoot down the more parallax would move the horizon up. A few more floors higher and you might have been able to surround the chimney with the ocean and just eliminate the sky. Did this quick / sloppy with contrast aware scale of water on right to illustrate....

I'm invested the edit but don't find the lack of sky impact the overall impression since the clues to warmth are in the foreground. If anything it makes me go back for another look at the interesting interplay of shapes and cool tone roof in warm light. Cooler shadows / warmer highlights.

I'd the type of color theme content where I often extend the theme a the mat and rule sampled from the photo:

I sampled the rule from the chimney, the mat from the roof then desaturated and darkened. A dark mat helps pull the viewer into the photo and keep them focused there. I find white mats like you used, while conventional and traditional, less effective perceptually for creating that out > in and stay there dynamic,

I love seeing all these variations, including BW's.
Since the actual scene is dominated by softer pastels I view Kent's second image as closest to my original intent.
Its clear that there is lots of play in this subject. Anyone else want to jump in? Go ahead.
Scott

Gosh I couldn't resist Scott, love the color palette to work with here. Can't beat the nice cool tones on that water to blend and blur together to strengthen the texture of the roof and highlight the warmth in the chimney

I found the branches to the right distracting, wanted to built up the lead to the chimney a bit more. Not sure I like the color added by the small triangle of red by the chimney so I altered that. I liked what the sky brought to tie into the color on the chimney but the sky was a bit too overpowering for me, did a gradient play on it then took the sky and water and ran a Gaussian blur to it to strengthen the textures in the roof, also darkened the shadow line on the roof for more contrast.